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Hit the Road with a Hot Deal

Now until July 31st, Greater Niagara FCU Members can apply for an auto loan with interest rates as low as 4.74% APR. Use your Greater Niagara FCU auto loan to finance new vehicles, purchase used cars, or refinance an existing auto loan—even if it’s through another bank or credit union!


Together we make our community greater.

Car shopping? Opening a savings account? We can get you on a greater financial path.


Being a member means more.

Apply for membership in just minutes and take advantage of lower rates, higher service, and greater perks!

A Greater Standard of

Financial Service

It is our mission to provide personalized, quality financial services that meet the lifetime needs of you and your family. Bank on an all-around greater experience for every financial milestone.

Account Login

How Can Greater Niagara FCU

Help You?

Online Banking

Savings Account

Checking Accounts

Auto Loans

Personal Loans

Credit Cards

Home Equity Lines of Credit


Member Discounts

Need Funds Fast?

Use our Audio Response Service 24/7, from anywhere in the world, to check your balances, transfer funds, and more!

Call 1-716-297-5944 Ext. 7

Find an ATM

Greater Rates & 


Loan Rates, Duration, and APR*
New and Used Autos
As low as 6.19%
Share Secured
Up 10 Years
Home Equity Line of Credit
10 Years
7.97% Fixed Rate
Up to 5 Years
As Low as 11.94%
New and Used Boats and RVs
Up to 5 Years
As Low as 9.22%
New and Used Boats and RVs
Up to 7 Years
As Low as 10.22%
New and Used Boats and RVs
Up to 15 Years
As Low as 11.22%

Effective 3/5/24

*APR = Annual percentage rate. All loans subject to credit approval. Rates and terms based on creditworthiness. APY = Annual percentage yield.

Certificate Rates and APR*
6 Months
1 Year
2 Years
3 Years
3 Years

Effective 1/1/2022

*APR = Annual percentage rate. All loans subject to credit approval. Rates and terms based on creditworthiness. APY = Annual percentage yield.

Savings Rates and APR*
Regular Share Accounts

*APR = Annual percentage rate. All loans subject to credit approval. Rates and terms based on creditworthiness. APY = Annual percentage yield.

We Are Greater Niagara Federal Credit Union

Founded in 1954, Greater Niagara FCU is the result of a long list of mutually beneficial mergers between small seg-based credit unions in western Niagara County. In 2003, the Credit Union expanded its charter to serve all of Niagara County, and in 2020, the charter was expanded to include Erie County. Today, anyone who lives, works, worships, attends school, or conducts business in Erie or Niagara County is eligible for membership.

Our Members

Mean the Most

I’ve been a member since 1994 and always enjoyed the positive environment and happy vibes that I’ve experienced being a member of GNFCU. When I ran into financial difficulties, Mary and the GNFCU team helped me get back on track by giving me opportunities to get back on my feet and for that, I truly appreciate them and I won’t let them or myself down.

Orlando S.Niagara Falls

My whole family uses this credit union. Great customer service and nice, friendly environment. Everything is quick and easy through them and they take great care of you. Very happy with my experience with them so far.

Dakota B.Town of Niagara

Greater Niagara FCU is the best financial institution I have ever dealt with. I have been a customer since 2008. Any issues I have ever had were resolved immediately. I have always been treated with respect, and the staff acknowledges me by name which make it much more personable.

Kelly S.Niagara Falls

Greater Niagara FCU has been amazing at handling all of our needs in a professional manner, for many years. The staff is always the friendliest and treat us more like family. We have several accounts here and will never bank anywhere else. All of our needs are met at 100% satisfaction.

Christopher B.Niagara Falls

This is the first credit union I’ve been with in over 20 years and I couldn’t be happier with the services. The girls at the window and the help they show me anytime I have questions or concerns. And helping me build my credit around future goals being set. More than pleased overall.

David H.Niagara Falls

I would highly recommend Greater Niagara FCU. I had never used a credit union and a friend suggested I try it for car loans. I was very impressed with the lower rates, great service and relaxed environment. I worked with Nick Darlak, North Tonawanda, branch manager. If it wasn’t for him putting in the extra effort I would not have got the loan and just gone somewhere else. His ability to listen to my special income requirements and spending the extra time made it possible. He was friendly, professional and helpful through the whole process. He’s a valued employee and hopeful is recognized for it. Thanks Nick.

David G.Niagara Falls

Smooth process applying for a loan. Nick is polite, professional and had my loan done in a very short time. I would recommend Greater Niagara FCU to my family and friends.

Sharon E.Niagara Falls

Absolutely amazing, fantastic service
Fastest, easiest loan application I ever had, customer service, customer support
About and beyond, Mary M. Loan officer
Incredible 🙏.

Dennis C.Niagara Falls

This is my second car l Financed with the credit union to bring my payments down. Greater Niagara federal credit is the best, they are totally awesome.

Tyrone D.Niagara Falls

Lost or Stolen Card?

Replace your lost, stolen, or worn out Greater Niagara FCU credit card or debit card and we’ll ensure your accounts are protected!

Our Locations:


2901 Military Road

Niagara Falls, NY 14304
Phone: 1-716-297-5944
Fax: 1-716-297-6074

160 Ward Road

North Tonawanda, NY 14120
Phone: 1-716-695-1829
Fax: 1-716-695-0546



Monday          9AM – 4:30PM
Tuesday          9AM – 4:30PM
Wednesday   9AM – 4:30PM
Thursday       9AM – 6:00PM
Friday             9AM – 4:30PM
Saturday        9AM – 12:00PM
Drive Through Only at Niagara Falls branch
Sunday          Closed